Malaysia consists of Malaya in the southern part of the Malay Peninsula, Sarawak and Shaba. Locating between 1°-7° of the north latitude, Malaysia is a tropical country. It boasts plenty of sunshine, comfortable weather, many high-quality beaches, esoteric islands, primitive jungles, rare animals and plants, caves of various shapes, ancient traditions, relics of long history and rich culture, as well as modern cities.

Malay language is the national and official language of Malaysia, with English being the lingua franca and mailing language. Other languages like Chinese, Tamil and some tribal languages. Malaysia is in the same time zone as China. Malaysia’s currency is Ringgit Malaysia.

Major scenic spots: Redang Island: A romantic tropical island and also the favorite resort for lovers. Sabah: This will be the most exciting stop in Malaysia for nature-loving tourists. Kuala Lumpur: A metropolitan with diversified exotic flavors. Langkawi: One of the most famous holiday paradises of Southeast Asia.

When you visit Malaysia, please remember to carry about your UnionPay cards (with card number starting with “62” and with UnionPay logo on card face). In Malaysia, UnionPay cards can be accepted in a lot of markets and franchise stores frequently visited by the Chinese, and you can also withdraw cash from over 90% of ATMs in which Chinese interface is provided.

The 1%-2% currency conversion fee is exempted when using UnionPay card abroad for purchasing or withdrawing cash via the UnionPay network. UnionPay will convert the amount of local currency withdrawn into that of RMB based on the market exchange rate, and the bank will deduct that amount from the cardholder’s RMB account accordingly. Low commission fee will be charged for ATM cash withdrawal with debit card. Almost all bank cards with the UnionPay logo commonly used in Mainland China can be accepted in Malaysia without the need to apply for a new card.

Merchants with the UnionPay logo all accept UnionPay cards. Some merchants may not have put up the UnionPay logo, but cardholders can show their UnionPay cards and inquire of the cashier whether or not Unionpay cards are accepted.

Merchant Characteristics

All merchants frequently visited by Chinese tourists accept UnionPay cards. Such merchants are mainly located in Kuala Lumpur International Airport, Genting Highland, Suria KLCC, Pavilion Shopping Center, Batu Caves, Penang, Langkawi and other tourist destinations. Approximately 60% of the merchants within these places accept UnionPay cards.

Reminder: When using dual logo cards, cardholders are recommended to ask the cashier to choose the UnionPay network, so as to ensure the enjoyment of the various favorable treatments and services provided by the UnionPay network. Due to the purchase limits for credit card consumption, it is recommended to use UnionPay debit cards for large luxury related transactions, as they are subject only to the limit of the balance of the card.

Special reminder: The upper limit of purchase amount set by cardholders or the issuing bank may influence the upper limit of purchase amount. For the purpose of self-support, cardholders are recommended to contact the issuing bank for solutions.

Relevant Charges

No commission fee is charged for overseas card-using.

Compared to the other bankcard networks, the 1% - 2% currency conversion fee is exempted when purchasing via the UnionPay network. UnionPay will convert the purchase amount of local currency into that of RMB, and the bank will deduct that amount from the cardholder’s RMB account accordingly.

ATM Cash Withdrawal

Application Range

Currently,UnionPay cards can be used to withdraw Ringgit in more than 90% of ATMs in Malaysia owned by 7 banks under local network MEPS: Maybank, Hong Leong Bank, Public Bank, RHB Bank, CIMB Bank, Bank Rakyat and Affin Bank; and 3 foreign banks: Standard Chartered Bank, HSBC and Citibank. ATMs belonging to these 10 banks can be easily found across Malaysia, whether in the airports, shopping centers or tourist destinations. In Malaysia, only ATMs belonging to Standard Chartered, HSBC and Citibank support balance inquiries.

UnionPay cards cannot be used to perform over the counter transfer and cash withdrawal abroad.

Accepted Cards

UnionPay cards (with card number starting with “62” and with UnionPay logo on card face).

Reminder: Cardholders are recommended to use their UnionPay debit cards (savings cards) for cash withdrawal while abroad since overdraft interest will occur when using a credit card.

How to Identify ATMs that Accept UnionPay Cards?

The UnionPay logoor the logos of the following banks, including HSBC, Standard Chartered and Citibank:

Chinese Interface

All ATMs that accept UnionPay cards have a Chinese interface.

Cash Withdrawal Procedure

The card will be returned before cash is given.

Cash Withdrawal Limit

For ATM cash withdrawals with UnionPay cards while abroad, follow the stipulations set by relevant Chinese authorities: The daily accumulative withdrawal amount of foreign currency per UnionPay debit card shall not exceed the equivalent of RMB 10,000. Please consult the issuing bank for the current rate; some domestic issuing banks may limit the amount of cash withdrawal per time. Please consult the issuing bank for more details. Some ATMs may set withdrawal limit per time. In this case, multiple cash withdrawals may be performed so long as the accumulative cash withdrawal limit is no more than the daily withdrawal limit.

Charges

Compared with other bankcard networks, the 1% - 2% currency conversion fee is exempted when withdrawing cash via the UnionPay Network. UnionPay will convert the amount withdrawn in local currency to that of RMB, and the bank will deduct that amount from the cardholder’s RMB account accordingly.

For ATM cash withdrawal in Malaysia, commission fee consists of the following two parts, which includs the issuing bank charge and the ATM service fee:

1)Issuing bank charge: Please consult the issuing bank for more details on specific rates, the times of cash withdrawal each day with a single card, withdrawal limit per time, accumulative cash withdrawal limit, etc.

2)ATM service fee: Certain amount of service fee will be charged by many local banks for ATM cash withdrawal. Please pay attention to the charging message shown in ATM.

Security Tips

Please do not set a too simple PIN. Never disclose your UnionPay card PIN to anyone including the bank staff. Pay attention to disguise your operation appropriately when you input the PIN in a public place. When you are swiping your card, please keep the card within your range of visibility. If the card gets lost, please immediately call the issuing bank to report the loss to ensure the security of the fund in your card.

Please note some of the overseas ATMs are yet enabled to support IC cards.For details, please contact China UnionPay Customer Service Representative:
(mainland of China) or
other hotlines
(outside mainland of China)